FabSwingers.com > Forums > The Lounge > Contactless credit/debit cards
Contactless credit/debit cards
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"Moneybox had a feature on cards paying for things just by having it in a pocket or bag.
Have you experienced contactless?"
With barclay's and they rolled it out a while back. Shop that except it is small. I know maccy d's do it |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol"
The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.
I'd be worried that it would start buying everything I took a fancy to.  |
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By *win PeaksCouple
over a year ago
Northamptonshire |
"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol
The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.
I'd be worried that it would start buying everything I took a fancy to. "
You need to worry more about the people who may have a card reader/scanner in their bag and rip you off 
N |
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"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol
The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.
I'd be worried that it would start buying everything I took a fancy to.
You need to worry more about the people who may have a card reader/scanner in their bag and rip you off
N"
Off to invent the scammer jammer |
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By (user no longer on site)
over a year ago
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Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?
So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?
Is that the basic gist or amI missing something more fundamental? |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?
So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?
Is that the basic gist or amI missing something more fundamental? "
I don't know. The people interviewed on the radio had money taken from their cards. Only one said she was using another card in the machine but it was recognising her contactless one and asking for the pin for that one.
I'm not sure about all the waving things around. |
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By *phroditeWoman
over a year ago
(She/ her) in Sensualityland |
Similar principle with skipasses - they have had this for some years wherw you only needed to carry the pass somewhere in your ski suit and it would let you through the barrier. Works well. |
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By *Ryan-Man
over a year ago
In Your Bush |
Courtesy of Wiki
As with all payment devices, contactless cards have a number of security features. Contactless runs over the same chip and PIN network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions. |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"Courtesy of Wiki
As with all payment devices, contactless cards have a number of security features. Contactless runs over the same chip and PIN network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions. "
Then why are Moneybox making a feature of this?
What about the big cashpoint fraud just recently (OK, not here but still)? |
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By (user no longer on site)
over a year ago
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If you lose your card, anyone that finds it can use it up to 5 times, without even having to give any details at all.
Bit like leaving 5 £20 notes on the counter and hoping no one will take any. |
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It's available through Barclays and on my phone but I would never set it up. It may only allow small payments but if my card or phone get stolen, enough of those "small payments" will be enough to fuck me over right now. x |
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By *Ryan-Man
over a year ago
In Your Bush |
"Courtesy of Wiki
As with all payment devices, contactless cards have a number of security features. Contactless runs over the same chip and PIN network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions.
Then why are Moneybox making a feature of this?
What about the big cashpoint fraud just recently (OK, not here but still)?"
Dunno why. I can see it speeding transactions up, but does that really need to happen ? |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"Courtesy of Wiki
As with all payment devices, contactless cards have a number of security features. Contactless runs over the same chip and PIN network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions.
Then why are Moneybox making a feature of this?
What about the big cashpoint fraud just recently (OK, not here but still)?
Dunno why. I can see it speeding transactions up, but does that really need to happen ?"
Only at high volume transaction areas - like the tube or a fairground ride.  |
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By (user no longer on site)
over a year ago
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Ive got a card that does this -
i go to the till the operator presses a button on the till to begin listening for the card, instead of sticking it in the machine i just wave it past it and its done. really quick n simple.
only up to £20.
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By (user no longer on site)
over a year ago
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Cant wait to see the banks refusing to refund for cards that get lost on a night out.
You ring the next day when you realise its missing, only to find out they already done you for £200 and your liable.
5 * £20 before midnight and another 5 * £20 during the early hours. |
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By *ugby 123Couple
over a year ago
Forum Mod O o O oo |
"If you lose your card, anyone that finds it can use it up to 5 times, without even having to give any details at all.
Bit like leaving 5 £20 notes on the counter and hoping no one will take any."
 |
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By (user no longer on site)
over a year ago
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"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?
So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?
Is that the basic gist or amI missing something more fundamental?
No you don't have to enter a pic, you just wave your hand about with your card in next to the machine
My new card that was sent has it but I won't be activating it."
Our from RBS was already activated on receipt, and we only found out when we used it 6 months later in Blackpool.
Had used it many times before we realised what it was. |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?
So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?
Is that the basic gist or amI missing something more fundamental?
No you don't have to enter a pic, you just wave your hand about with your card in next to the machine
My new card that was sent has it but I won't be activating it.
Our from RBS was already activated on receipt, and we only found out when we used it 6 months later in Blackpool.
Had used it many times before we realised what it was."
It needs a switch to turn it off. |
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By (user no longer on site)
over a year ago
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basically going off topic:
the rule is automation of everything
they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press
and of course, ur buying habits are there to share
its a cynical view yes...but its pretty transparent |
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By (user no longer on site)
over a year ago
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What happens if it picks up the till next to you ?
Could you end up paying for their stuff by accident ?
My mind is now in overdrive thinking of all the ways it can and will go horribly wrong !!!
By the time you realise you paid for something you never bought, its the end of the month and to late to do anything about it.
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"basically going off topic:
the rule is automation of everything
they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press
and of course, ur buying habits are there to share
its a cynical view yes...but its pretty transparent"
My buying habits are already known as I always use a card of some sort. It would be relatively easy to just have it all ready and waiting for me to wave my bit of plastic. |
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By (user no longer on site)
over a year ago
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"basically going off topic:
the rule is automation of everything
they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press
and of course, ur buying habits are there to share
its a cynical view yes...but its pretty transparent
My buying habits are already known as I always use a card of some sort. It would be relatively easy to just have it all ready and waiting for me to wave my bit of plastic."
Your Tesco club card already does this.
You can get a repeat of last weeks shopping anytime you like online. |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
"What happens if it picks up the till next to you ?
Could you end up paying for their stuff by accident ?
My mind is now in overdrive thinking of all the ways it can and will go horribly wrong !!!
By the time you realise you paid for something you never bought, its the end of the month and to late to do anything about it.
"
I'm sorry, I didn't mean to worry people unnecessarily. I just want to know how it all works for those using it. Those on here that have said they use it haven't said they have had a problem. |
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I Think its fantastic. One of my pet hates is people who want to pay small amounts using their card. ie a busy bar, newsagents etc. Nothing worse than being stuck waiting for someone to pay a couple of pounds using their card..... sometimes i think that they purposefully dawdle about it when im behind them  |
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By *ugby 123Couple
over a year ago
Forum Mod O o O oo |
So it seems, if you have your card in your wallet / purse but are paying with a different card, some contact machines have been taking a payment anyway
I knew there was a reason to be cautious |
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By (user no longer on site)
over a year ago
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"So it seems, if you have your card in your wallet / purse but are paying with a different card, some contact machines have been taking a payment anyway
I knew there was a reason to be cautious "
I'm definitely going to opt out then! |
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By (user no longer on site)
over a year ago
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As anyone who has tried to set up a WiFi to work over their home will attest radio frequency is very difficult to accurately predict. Mostly the concern we have is that it gets stopped by other electrical devices or walls in so we can't use our tablets to browse fab whilst in the bath
But it also works the other way as well, slight changes in the input voltage (which is constantly fluctuating) some handy visible or invisible barrier that will bounce and amplify the signal so 4cm can easily be 8+ in certain conditions in certain locations.
In the main part the system will work. But we will need to accept that we now carry £100 in our pocket at all times and it's just as easy to lose as 5 £20 notes.
It will make buying a beer on the beach much more convenient though |
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By *BW100Couple
over a year ago
Suffolk/Norfolk border |
My account automatically issues these cards and you can't opt out (co op bank), I watched a programme where someone with a device can walk past your bag or wallet & collect all your card details, I have purchased silver lined card holders from Amazon to keep the card details safe. |
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"I'm probably safe in M&S as it's rare I only spend £20.
I suspect there will be more stories like this soon."
Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by
Its on the mobile BBC news page today. |
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By (user no longer on site)
over a year ago
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"http://www.bbc.co.uk/news/business-22545804"
That's insane! No way I'll be getting one. I check my accounts often anyway (who doesn't??!) to make sure there are no dodgy payments.
I can't afford to lose one £20 let alone 5!  |
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By (user no longer on site)
over a year ago
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I can see people are going to have a few problems trying to claim anything back.
After all, they were in the store and did make a purchase.
Then again we all now the BANKS would always admit its a poor system, but makes them an awful lot of cash in unauthorised overdraft fees..... |
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"The limit has just been raised to £30. Careful with those cards."
They have to be presented very close to the machine, plus you still have to go to the till to ring up your purchases so it's unlikely you'll buy anything without your knowledge |
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By (user no longer on site)
over a year ago
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"The limit has just been raised to £30. Careful with those cards.
They have to be presented very close to the machine, plus you still have to go to the till to ring up your purchases so it's unlikely you'll buy anything without your knowledge "
Think its the fact that if your card is stolen the thief can buy anything upto 30 with no need for a pin number |
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"I'm probably safe in M&S as it's rare I only spend £20.
I suspect there will be more stories like this soon.
Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by
Its on the mobile BBC news page today."
my brother in law is so obsessed that this may happen to him that he has followed advice he saw in the daily mail
he has lined both sides of the inside of his wallet with tin foil
he reckons its the only way to stop it happening to him
trouble is, he don't have any contactless cards  |
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By *umourCouple
over a year ago
Rushden |
We use ours all the time and have never had a problem! Have to hold the card right up to the terminal before it reads.. Tried it in the wallet and beside the terminal and neither worked. Typical scaremongering against new technology! In a couple of years we will all be using it (except of course, the Luddites!) |
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By *umourCouple
over a year ago
Rushden |
"And in the past they just had to do a semi ok copy of your signature and could spend any amount.
You need to get card pretty close to the reader for it to work."
That is so true! Our son actually signed all of our cheques when he was about 11. Guess what? The bank never questioned one of them! At least this is a max of £150. With a dodgy signature, you could spend anything! |
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By (user no longer on site)
over a year ago
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NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense. |
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"I'm probably safe in M&S as it's rare I only spend £20.
I suspect there will be more stories like this soon.
Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by
Its on the mobile BBC news page today.
my brother in law is so obsessed that this may happen to him that he has followed advice he saw in the daily mail
he has lined both sides of the inside of his wallet with tin foil
he reckons its the only way to stop it happening to him
trouble is, he don't have any contactless cards "
Does he wear an armadillo shell on his head too?  |
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By *icketysplits OP Woman
over a year ago
Way over Yonder, that's where I'm bound |
The thread is over a year old. I only resurrected it to highlight the increase.
My card was cloned just before Christmas. I don't use it as contactless but that is how the bank decided the cloning probably took place. Luckily, the card behaviour was so different that it was easy and quick to spot. |
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By *ugby 123Couple
over a year ago
Forum Mod O o O oo |
"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense."
So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?
Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all? |
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"Luckily, the card behaviour was so different that it was easy and quick to spot."
Forget credit card fraud, that's my biggest worry: the call from the fraud department, checking unusual transactions: "okay, so that massive sex-toy is yours, how about this admission charge to this swingers club, and these services from Madam Whiplash?"
Mr ddc
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By (user no longer on site)
over a year ago
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"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense.
So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?
Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all? "
Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok. |
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By *ugby 123Couple
over a year ago
Forum Mod O o O oo |
"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense.
So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?
Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?
Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok."
I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission. |
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By (user no longer on site)
over a year ago
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"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense.
So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?
Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?
Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok.
I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission."
What is happening though is that oyster readers now accept contacless debit cards. And if (like many people) you swipe your oyster card by placing your wallet on the reader rather taking your card out your wallet then the readers are also taking payment off debit cards! |
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By *ugby 123Couple
over a year ago
Forum Mod O o O oo |
"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense.
So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?
Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?
Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok.
I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission.
What is happening though is that oyster readers now accept contacless debit cards. And if (like many people) you swipe your oyster card by placing your wallet on the reader rather taking your card out your wallet then the readers are also taking payment off debit cards!"
Which proves the point that people are not paranoid as the post I quoted suggested.
I am not sure this is what he meant though, I think it was more " there has been Oyster cards for years and you are all paranoid....but a Debit card and Oyster card are not the same thing at all |
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